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Part two gets spicy. We break down the four stages of the property cycle (recovery, boom, cool-off, slump), why interest rates and prices move like a seesaw, how different countries can be in totally different seasons, and the biggie: your time horizon (think 7-10 years) matters more than crystal-ball timing. You’ll learn how to spot where your market is, when using equity makes sense (and when leverage can bite), and why personal finances beat FOMO every time. Expect practical insights on how interest rates, human behaviour, and timing shape the market - plus the kind of friendly arguing that somehow makes economics feel like reality TV.

🔔 We’ve made you a FREE handy little Property Cycle PDF - it’s got all the key takeaways, tips, and what to watch for in the market. It’s totally free, grab it here.

We’re proud to be partnering with BNZ, whose Home Loan Partners understand that no two journeys to home ownership are the same. With expert guidance, backed by BNZ’s research team, they’re here to help you make sense of interest rates, affordability, and timing - so you can navigate your property journey with confidence, no matter what stage you’re at.

👉To learn more, head here.

BNZ home loans are subject to BNZ’s lending criteria (including minimum equity requirements), terms and fees. An establishment fee of up to $150 may apply.

Credits:

Hosts: Victoria Harris & Sophie Hallwright

Producer & Editor: Emily Rigby

Social & Digital Manager: Lucy Munro

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Chapters:

0:00 – Welcome to part two!1:09 – BNZ x The Curve1:57 – Vic’s vibrating bracelet4:04 – Our first thoughts and different approaches to property7:24 – Why it’s key to understand the stages of the property cycle14:08 – Spotting the lull in the cycle19:15 – How property cycles differ around the world24:01 – The role of FOMO in property markets25:31 – The fear of overpaying26:13 – Recap of the stages of the cycle35:16 – Grab our free PDF summary!36:07 – Final thoughts42:08 – Thanks for tuning in43:43 – Financial disclaimer

Disclaimer: Raising The Curve has been prepared solely for informational and educational purposes. Any information provided and serviced described in this website are intended to be of general nature and provide general information only. The opinions expressed by The Curve do not constitute investment advice.